RENUKA MANAMPERI

***** ****** ******

Chino Hills, CA 91709

Tel: 909-***-**** (cell)

Email: abhoqa@r.postjobfree.com

QUALIFICATIONS SUMMARY:

. Loan Analyst

. Underwriter

. QC Analyst

. Loss Mitigation Specialist

. Foreclosure Specialist

. Lien Release Specialist

. Mortgage Claims Specialist

. Software Skills - MS Excel, MS Word, MS Office, AS400, Lenstar, Power

Point, Adobe, Law Base, NPV tool etc.

CARRINGTON MORTGAGE SERVICES, SANTA ANA, CA /BANK OF AMERICA PROJECT

9/22/12 - 5/9/14

Mortgage Underwriter

. Perform reviewing the entire loan file through verification processes

including adherence to multiple investor guidelines and compliance and

complete final approval.

. Underwrite loan files to determine compliance with company and FHA/VA

guidelines

. Maintain quality control standards while maintaining production

standards by company's definition

. Ability to access an individual credit worthiness while adhering to

all regulatory and compliance requirements

. Assist the mortgage loan personal with product guidelines, required

loan documents and approval condition changes

. Direct affiliation with loan processors regarding missing or

incomplete documents

. Produce underwriting decisions within maximum of 2 days after receipt

of file

. Certified FHA DE Underwriter by Mortgage University, Inc., Laguna

Hills, CA

.

FIRST CHOICE REALTY, CHINO HILLS, CA 5/10-12/11

Loss Mitigation Specialist/Loan Analyst/Underwriter assistant/Short Sale

Specialist

. Assisted homeowners stay in their home by placing them in programs

where payments are affordable. (HAMP and other) If a payment plan or

a modification was not possible I assisted with a Short Sale program

(Part of the process was to communicate with lenders, agents, brokers,

appraisers, buyers during this process).

. Collect from home owner and go through required documents for the

programs (i.e. tax returns 1040, bank statements, pay stubs, proof of

address etc.)

. Ensure loans meet all FHA, FNMA and Freddie Mac guidelines and are

readily salable.

. Prepare to underwrite real estate loans to company guidelines ensuring

data integrity and salability.

. Performed income analysis/calculation, credit analysis, fraud

detection and risk analysis, appraisal review, and loan processing.

. Provide in-house training in various areas including, but not limited

to. Create various workflow processes and ensure efficient and

effective use of staff time.

. Complete internal audits of closed loan files to determine if a

prudent decision was made and to validate data integrity.

MORTGAGE OUTREACH SERVICES, IRVINE, CA 03/09-02/10

Loan Analyst/QC Analyst/Underwriter assistant

. Determine if there is evidence of a direct relationship between loss

mitigation procedural errors and harm to the borrower.

. I reviewed loan docs to determine if the ownership of the note and

mortgage was properly documented when foreclosure proceedings were

initiated.

. Determined if the foreclosure proceedings were processed in accordance

with applicable state and federal laws.

. Validate fees and penalties charged and assessed were reasonable,

customary and within the applicable state and federal laws.

. Performed income analysis/calculation, credit analysis, fraud detection

and risk analysis, appraisal review, and loan processing.

CITI RESIDENTIAL LENDING, INC.(FKA 03/04-2/09

AMERIQUEST, AMC MORTGAGE), RANCHO

CUCAMONGA, CA

Foreclosure Specialist/Bid Specialist

. Monitored loans that are in foreclosure during foreclosure process to

make sure all milestones are met in a timely manner during foreclosure

process. (I.E. filing NOD, NOS, judgment figures, Updating sales

results, Third Party funds from sale provided property went to a third

party, sending file to REO etc.)

. I was a liaison between foreclosure attorney and lender in order to

complete foreclosure process.

. Request reinstatement and payoff figures when needed.

. Prepare necessary legal documents and obtain company authorized

personnel signatures along with notary and send them to attorney for

recording.

. Ensure title to the property is clear prior to sale.

. Worked hand in hand with property preservation and eviction department

. Ensure mortgage insurance, hazard insurance and taxes are paid per

state requirement prior to sale

. Prepared bidding instructions for the foreclosure sale

. Made sure investor guidelines are met during foreclosure process.

. Attended attorney summits every year in order to obtain most recent

regulations and updates. During this time met with foreclosure

attorneys from all states

WELLS FARGO HOME MORTGAGE, INC. (FKA, GE 06/96-03/04

CAPITAL MORTGAGE), SAN BERNARDINO, CA

Lien release specialist/Mortgage claims specialist

. Product lead for all claims processing on guaranteed loans. This

included filing supplemental claims and investor claims as well.

. Responsibilities include liaising with attorneys on deed recordings and

obtaining a clear title package in a timely manner according to state

requirement. Process include preparation, verification, and review of

all claims such as refunds, deed-in-lieu of foreclosure, third party

foreclosure sales, no bids, specified bids and VA Guaranteed Vendee

Loans and REO properties.

. Fully conversant with all legal aspects related to foreclosures and

real property repossessions for all 50 states.

. Prepared and submitted lien releases and mortgage releases to county,

agents and clients as needed in a timely manner.

EDUCATION

Mt. San Antonio College, CA

Associate Degree in Business Management

Certified FHA DE Underwriter by Mortgage University, Inc., Laguna Hills, CA

Six Sigma training completed and certified during GE Capital Mortgage

Services period[pic]

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